benefits advice please!

JANETRICK

northerntwo1 wrote: »

As far as I know (and it isn't much that I do know), you being a homeowner will affect your benefits.

Please ensure you have looked at this part of your claim fully and are aware of the rules. I'd hate for you to base your choice on XX and up with YY due to being a homeowner.

Hi, Thanks for the post, I have telephoned so many departments and basically not getting anywhere which is why I posted here! I'm just being told to apply for income support once I find a house to rent...I'll find out when I apply is what I'm being told!!!

JANETRICK

Loanranger wrote: »

Are you retaining the family home and trying to get another home as well? Sounds dodgy, I'm afraid.

Dodgy??! Our marriage has failed, I want to move out and separate. My OH will release me from the mortgage ultimately; I don't contribute anyway being the carer and having no income. (no equity in the house either)

dandelionclock30

Does he board there? and come home on weekends? or does he return on a night?

JANETRICK

Irn-Bru-Kid wrote: »

I agree with the skintandscared. Why can't you kick him out? It will be much easier for him to find a one bedroom place than it will for you to find a place to accommodate both you and your son.

Lots of landlords won't accept HB, so there is your first hurdle in trying to find a place. Have you got a deposit etc?

Of course we don't know the reasons why you need to move and not your husband, but him leaving would be easier for everyone involved.

I have found some landlords that will take HB and yes I will have a deposit. I know it would be easier for my OH to leave, but I have to consider the future for my son ...out of this terrible borough!!

JANETRICK

dandelionclock30 wrote: »

Does he board there? and come home on weekends? or does he return on a night?

I haven't left yet...we plan on my son coming to stay with my OH overnight poss at week ends ultimately.

debrag

I think the poster meant the school

sammyjammy

Loanranger wrote: »

Are you retaining the family home and trying to get another home as well? Sounds dodgy, I'm afraid.

You don't seem to have a clue what you are talking about. The family home has no equity in it and is therefore a debt not an asset, regardless of that it is perfectly acceptable for the OP to rent a house and claim Housing Benefit.

BigAunty

Here are the rules for housing benefit when you own but do not occupy a property.There is also info on that page on how to calculate the capital in a property.


Property you own but do not occupy [HB Sch 6, HB(SPC) Sch 6; CTB Sch 5, CTB(SPC) Sch 4]

The value of this property is counted as capital but you may be able to get HB/CTB even if the value of the property means that your savings are more than £16,000. This is because the value of the property may be ignored when your savings are worked out, in certain circumstances.
If the property is occupied by an elderly or disabled relative as their home, its value is not taken into account for as long as it is so occupied.
If you have recently acquired the property and you intend to occupy it as your home, its value may not be counted for 26 weeks, or for a longer period if reasonable, from the date you acquired it.
If you are trying to sell the property, its value may not be counted for the first 26 weeks after you start doing this. It may not be counted for longer than this if you are finding it difficult to sell the property.
If you are carrying out essential repairs or alterations so that you can live in the property, its value may not be counted for a period of 26 weeks from the date you first arranged for repairs to be carried out. It may not be counted for longer than this if you are finding it difficult to finish the work.
If you are taking legal action so that you can live in the property, its value may not be counted for the first 26 weeks after you start doing this. It may not be counted for longer than this if legal action is continuing and you cannot live in the property.
If you have left the property after the breakdown of a relationship, and it is occupied by your former partner, its value may not be counted for the first 26 weeks after you left. If the property is occupied by your former partner and they are a lone parent, the property will not be counted for as long as it continues to be so occupied.

http://www.dwp.gov.uk/publications/specialist-guides/technical-guidance/rr2-a-guide-to-housing-benefit/working-it-out/income-and-capital/

JANETRICK

Loanranger wrote: »

Have you considered getting a job? Your son is at school so no need for you to be at home.

Unless you can suggest a job that would be.....within the hours of 10am and 2pm mon-fri as i have to drive my son to school...term time only, that would also give me time off for the numerous hospital/therapy appointments etc i'm a bit stuck. That's also not addressing the fact that I'm often up for hours at a time in the night with him and unfortunately I am human and not bionic! With all due respect, i find your posts judgemental and not in the slightest bit helpful...'dodgy' regarding my moving to a rented house and now this one! Unless you have walked in my shoes....

JANETRICK

BigAunty wrote: »

Here are the rules for housing benefit when you own but do not occupy a property.There is also info on that page on how to calculate the capital in a property.


Property you own but do not occupy [HB Sch 6, HB(SPC) Sch 6; CTB Sch 5, CTB(SPC) Sch 4]

The value of this property is counted as capital but you may be able to get HB/CTB even if the value of the property means that your savings are more than £16,000. This is because the value of the property may be ignored when your savings are worked out, in certain circumstances.
If the property is occupied by an elderly or disabled relative as their home, its value is not taken into account for as long as it is so occupied.
If you have recently acquired the property and you intend to occupy it as your home, its value may not be counted for 26 weeks, or for a longer period if reasonable, from the date you acquired it.
If you are trying to sell the property, its value may not be counted for the first 26 weeks after you start doing this. It may not be counted for longer than this if you are finding it difficult to sell the property.
If you are carrying out essential repairs or alterations so that you can live in the property, its value may not be counted for a period of 26 weeks from the date you first arranged for repairs to be carried out. It may not be counted for longer than this if you are finding it difficult to finish the work.
If you are taking legal action so that you can live in the property, its value may not be counted for the first 26 weeks after you start doing this. It may not be counted for longer than this if legal action is continuing and you cannot live in the property.
If you have left the property after the breakdown of a relationship, and it is occupied by your former partner, its value may not be counted for the first 26 weeks after you left. If the property is occupied by your former partner and they are a lone parent, the property will not be counted for as long as it continues to be so occupied.

http://www.dwp.gov.uk/publications/specialist-guides/technical-guidance/rr2-a-guide-to-housing-benefit/working-it-out/income-and-capital/

Thanks so much!